Property ID: 8563004772
2722 Avenue I, Birmingham, AL, 35218
Birmingham, AL
Money Down: $25,920
CoC Return: 7.04%
Monthly Cash Flow: $152
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,600
Closing Costs
$4,320
Total Down
$25,920
Investment Snapshot
Purchase Price
$108,000
Money Down
$25,920
Cash-on-Cash Return
7.04%
Rent
$987
Monthly Cash Flow
$152
Annual Cash Flow
$1,826
Debt Service / Mo
$575
Property Tax / Mo
$97
Insurance / Mo
$65
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$987
Payment Standard
$1,617
Rent
$987
Insurance
$65
Property Tax
$97
Management
$99
Utilities Allowance
$630
NOI (Monthly)
$727
Debt Service
$575
Cash Flow After Debt
$152
Quality Score: 73.30%
Confidence: 92.00%
This 4-bed, 1-bath bungalow appears largely renovated and close to Section 8 / HCV inspection-ready. Interiors show fresh finishes, functioning fixtures, and a visible smoke detector. Main concerns that could cause inspection items are the lack of a handrail on the front steps (potential NSPIRE fail), cracked/uneven walkway and porch step deterioration (trip hazards), and unclear GFCI protection in kitchen/bath. Major systems (HVAC, electrical service, plumbing) appear present but operation and water heater/roof condition should be verified. With quick fixes (install handrail, repair/level steps, confirm/fit GFCI, supply fridge if required, verify CO detector if gas present) this property is likely rent-ready within 1–4 weeks.
Section 8 Payment Standard
$1,617
Utility Allowance Total
$630
Guaranteed Section 8 Rent (PS - Utilities)
$987
Property Management
$99
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$108,000
Beds
4
Baths
1
Living Area
1,578 sqft
Lot Size
7,405 sqft
Year Built
1940
Days on Market
43
Capital Outlay
$25,920
Debt Service
$575
Property Tax / Mo
$97
Insurance / Mo
$65
Property Description
Turnkey, renovated home in Birmingham offering modern updates and move-in-ready condition. This home features fresh finishes, a clean aesthetic, and a functional layout designed for everyday living. Conveniently located near major roadways, shopping, and downtown Birmingham. A transferable home warranty may be available with an acceptable offer. Schedule your showing today-homes in this condition do not last.
Utility Allowances
cooking
$26
Property details specify an electric cooktop and oven. 'Ala Power' is selected as it is the primary electric utility for Birmingham.
water_heating
$71
Property details explicitly state 'Electric (WTRHTR)'. 'Ala Power' is selected for consistency with other electric utilities.
heating
$119
Property has central heating. Fuel is inferred as electric because other major appliances (cooktop, water heater) are electric. 'Ala Power' is selected as the most likely provider.
cooling
$28
Property has 'Central Air'. 'Alabama Power' is selected as the likely provider.
other_electric
$87
Covers basic electricity for lights, outlets, and the energy for a tenant-provided refrigerator. 'Ala Power' is selected to match other electric utilities.
water
$88
Property has 'Public Water' and is located in Birmingham, which corresponds to this specific schedule line item.
sewer
$177
Property details state 'Sewer: Connected'.
trash_collection
$20
Standard utility for a single-family home. 'Jefferson City' is selected as the most applicable general option for Birmingham in the provided schedule.
refrigerator
$8
The property listing does not mention a refrigerator, so it is assumed to be tenant-provided. This covers the monthly cost of the appliance.
range_microwave
$6
The property listing does not mention a microwave, so it is assumed to be tenant-provided. This covers the monthly cost of the appliance.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$629
DP3 Annual Estimate$925
DP1 Monthly Equivalent$52
DP3 Monthly Equivalent$77
Replacement Value$66,500
Basis1,578 sqft / 1940
Nearby Houses
Photo unavailable
2718 Avenue I
for_sale · 0.01 mi
Price: $34,900
3 bd / 1 ba · 1,551 sqft
Latest sale: $66,000
Latest rent: —
Photo unavailable
2715 Avenue H
sold · 0.04 mi
Price: $30,000
3 bd / 1 ba · 1,501 sqft
Latest sale: $30,000 on May 21, 2024
Latest rent: $1,280 on Jul 21, 2025
Photo unavailable
2808 Avenue I
sold · 0.04 mi
Price: $45,000
3 bd / 1 ba · 1,168 sqft
Latest sale: $45,000 on May 14, 2024
Latest rent: —
Photo unavailable
2800 Avenue H
sold · 0.07 mi
Price: $70,000
4 bd / 1 ba · 1,650 sqft
Latest sale: $70,000 on May 03, 2024
Latest rent: $1,175 on Feb 05, 2025
Photo unavailable
2618 Avenue I
off_market · 0.07 mi
Price: $62,500
3 bd / 1 ba · 1,470 sqft
Latest sale: $53,900
Latest rent: —
Photo unavailable
2808 Avenue H
for_sale · 0.08 mi
Price: $69,000
2 bd / 1 ba · 907 sqft
Latest sale: $73,000 on Nov 29, 2022
Latest rent: $650 on Aug 29, 2017
Photo unavailable
2614 Avenue I
sold · 0.09 mi
Price: $23,000
4 bd / 2 ba · 1,976 sqft
Latest sale: $23,000 on Feb 28, 2017
Latest rent: $950 on Jan 15, 2018
Photo unavailable
2613 Avenue H
sold · 0.09 mi
Price: $38,500
3 bd / 1 ba · 1,398 sqft
Latest sale: $38,500 on Sep 23, 2022
Latest rent: $595 on Feb 26, 2019
Photo unavailable
2610 Avenue I
for_sale · 0.10 mi
Price: $119,900
4 bd / 2 ba · 1,466 sqft
Latest sale: $88,000 on Sep 26, 2025
Latest rent: $1,000 on Nov 05, 2021
Photo unavailable
2908 Avenue I
sold · 0.11 mi
Price: $72,000
3 bd / 1 ba · 1,274 sqft
Latest sale: $72,000 on Nov 13, 2023
Latest rent: $1,100 on Jan 27, 2026
Risk and Criteria Detail
Red Flags
- success
- Missing handrail on primary front steps — potential NSPIRE fail / unsafe stairs.
- Cracked/uneven walkway and deteriorated step surfaces presenting trip hazards.
- Unclear presence of GFCI protection at kitchen and bathroom outlets — potential electrical safety/code issue.
- Water heater and full roof condition not shown — systems not verified (recommended verification prior to inspection).
Assumptions
- Central HVAC is present and operable based on visible ceiling supply registers; however the system operation and age were not documented in photos.
- No gas appliances are visible in photos (electric stove present) so CO detector may not be strictly required, but presence should be confirmed.
- Water heater and furnace are present and functional though not photographed; hot water assumed available but needs verification.
- A refrigerator is not visible in images; assume unit is not included or not staged — missing fridge is a moderate turnkey issue but not an automatic safety failure.
- Kitchen GFCI protection at sink is not clearly visible in photos; assume it may be missing and should be verified/installed to meet NSPIRE requirements.
- Front entry door appears secure (metal security door) but existence of a functioning deadbolt was not verified in photos.
- No severe structural issues (sagging roof, foundation movement, collapsed ceilings) are visible in the provided photos; assume none present but recommend professional inspection to confirm.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,125 | $77,500 | $15,500 |
| 2023 | $562 | $77,600 | $7,760 |
| 2022 | $429 | $59,100 | $5,920 |
| 2021 | $357 | $59,100 | $5,920 |
| 2020 | $357 | $59,100 | $5,920 |
| 2019 | $357 | $59,100 | $5,920 |
| 2018 | $292 | $50,200 | $5,020 |
| 2017 | $292 | $50,200 | $5,020 |
| 2016 | $461 | $73,500 | $7,360 |
| 2015 | $461 | $73,500 | $7,360 |
| 2013 | $436 | $72,300 | $7,240 |
| 2012 | $435 | $72,300 | $7,230 |
| 2011 | $444 | $73,500 | $7,350 |
| 2010 | $444 | $73,500 | $7,350 |
| 2009 | $444 | $73,500 | $7,350 |
| 2008 | $455 | $75,200 | $7,520 |
| 2007 | $483 | $79,200 | $7,920 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-08-19 | Sold | $107,250 |
| 2023-08-31 | Sold | $69,900 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-08-27 | Listed for rent | $1,000 | — |
| 2025-06-20 | Listed for rent | $1,200 | — |
| 2025-02-13 | Listed for rent | $1,400 | — |
| 2024-12-21 | Listed for rent | $1,400 | — |
| 2024-11-19 | Listed for rent | $1,400 | — |
| 2024-10-02 | Listed for rent | $1,400 | — |
| 2023-09-30 | Listed for rent | $1,400 | — |
Photo Gallery
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"description": "Act Now! February Move-in Special!\nMove in now and enjoy a limited time rent incentive available this month only. Apply by February 17th to qualify. Ask us for details today! Restrictions may apply. \n\nDiscover the charm of this inviting 3-bedroom, 1-bathroom home, where warmth and character await your personal touch. Step inside to find a decorative fireplace adding a cozy focal point to the living space. A blend of hard-surface flooring and plush carpeting ensures both style and comfort throughout. Natural light pours in through the many large windows, creating a bright and airy atmosphere in every room. The kitchen is well-equipped with an oven range and a spacious refrigerator, offering ample storage for all your culinary needs. As part of our move-in service, we'll deliver the oven range and refrigerator and remove the exterior window coverings before your move-in date. Relax and unwind in the beautifully tiled soaking bathtub, the perfect retreat after a long day. For added comfort, opt for our optional Second Nature high-quality air filtration system. Professionally managed by Second Avenue. Contact us to tour and apply online today!\n\nLOCATION: Near Birmingham Zoo, Birmingham Museum of Art, and Vulcan Park and Museum. With easy access to I-20, US-11, and I-65.\n\nSCHOOL DISTRICT: Birmingham City School District\n\nOUTDOOR SPACE: A cozy small covered front porch, perfect for enjoying morning coffee or watching the world go by. A spacious backyard, offering ample room for outdoor activities and relaxation.\n\nSecond Avenue is proud to offer the Hometown Hero Leasing Discount Program to honor and support local heroes, including police officers, firefighters, emergency medical personnel, educators, and government employees. Eligible participants who are fully approved for a lease will enjoy a reduced security deposit on their Second Avenue home. This offer cannot be combined with other promotions or discounts unless otherwise specified. Available in Select Markets - Ask About Eligibility. \n\nBy choosing a professionally managed rental home by Second Avenue, you'll enjoy personalized services such as our all-in-one resident portal, dedicated call center, and professional maintenance program. All Second Avenue homes for rent are pet-friendly (pet fees and breed restrictions apply) and we offer convenient self-guided showings 7 days a week. We also proudly offer military discounts for active-duty personnel. Additional fees may include, yet not limited to septic/sewer, or renters insurance. Approved applicants must pay a hold fee and begin the lease agreement within 7 to 12 days of approval. Don't delay, as our homes lease quickly! \n\nPlease be aware of scams. Second Avenue rental homes are not advertised on Craigslist, Facebook Marketplace, or any other classified advertising websites. We will never ask you to wire funds. All photos shown are for illustrative purposes. Certain finishes, flooring, and room orientation may vary.",
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"price": 69900,
"listing": {
"status": "sold",
"list_date": "2023-07-01T22:39:33Z",
"list_price": 69900,
"listing_id": "2957317491",
"last_update_date": "2023-08-31T15:22:23Z",
"last_status_change_date": "2023-08-31T15:47:55Z"
},
"event_name": "Sold",
"price_sqft": 44.29657794676806,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "61 days",
"source_listing_id": "1358626",
"price_change_percentage": "-16.28%"
},
{
"date": "2023-07-18",
"price": 69900,
"listing": {
"status": "sold",
"list_date": "2023-07-01T22:39:33Z",
"list_price": 69900,
"listing_id": "2957317491",
"last_update_date": "2023-08-31T15:22:23Z",
"last_status_change_date": "2023-08-31T15:47:55Z"
},
"event_name": "Price Changed",
"price_sqft": 44.29657794676806,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "1358626",
"price_change_percentage": null
},
{
"date": "2023-07-07",
"price": 74900,
"listing": {
"status": "sold",
"list_date": "2023-07-01T22:39:33Z",
"list_price": 69900,
"listing_id": "2957317491",
"last_update_date": "2023-08-31T15:22:23Z",
"last_status_change_date": "2023-08-31T15:47:55Z"
},
"event_name": "Price Changed",
"price_sqft": 47.465145754119135,
"source_name": "GreaterAlabamaMLS",
"price_change": -8597,
"days_after_listed": null,
"source_listing_id": "1358626",
"price_change_percentage": null
},
{
"date": "2023-07-01",
"price": 83497,
"listing": {
"status": "sold",
"list_date": "2023-07-01T22:39:33Z",
"list_price": 69900,
"listing_id": "2957317491",
"last_update_date": "2023-08-31T15:22:23Z",
"last_status_change_date": "2023-08-31T15:47:55Z"
},
"event_name": "Listed",
"price_sqft": 52.91318124207858,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1358626",
"price_change_percentage": "+135.20%"
},
{
"date": "1989-04-21",
"price": 35500,
"listing": null,
"event_name": "Sold",
"price_sqft": 22.49683143219265,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Apr 28, 1997",
"permit_project_type_1": "Patios",
"permit_project_type_2": "Siding",
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "8563004772",
"generated_at": "2026-02-16T03:17:01.550827Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 73.3
},
"utility_allowance": {
"zip_code": "35218",
"home_photo": "https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m3618094639s-w1280.jpg",
"rent_price": 987.0,
"loan_amount": 86400.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2722-Avenue-I_Birmingham_AL_35218_M85630-04772",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 108000.0,
"loan_term_years": 30,
"annual_cash_flow": 8723.85,
"mortgage_monthly": 574.82,
"payment_standard": 1617.0,
"total_amount_out": 21600.0,
"additional_photos": [
"https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m2115620783s-w1280.jpg",
"https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m738114348s-w1280.jpg",
"https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m2041435057s-w1280.jpg",
"https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m636710235s-w1280.jpg",
"https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m3910108343s-w1280.jpg",
"https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m38805543s-w1280.jpg",
"https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m3688367188s-w1280.jpg",
"https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m1214732415s-w1280.jpg",
"https://ap.rdcpix.com/bb443eddbe3d29aecf4b9cb2882e47bal-m2381068651s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 64.75,
"monthly_cash_flow": 726.99,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property details specify an electric cooktop and oven. 'Ala Power' is selected as it is the primary electric utility for Birmingham.",
"utility": "cooking",
"allowance": 26
},
{
"note": "Property details explicitly state 'Electric (WTRHTR)'. 'Ala Power' is selected for consistency with other electric utilities.",
"utility": "water_heating",
"allowance": 71
},
{
"note": "Property has central heating. Fuel is inferred as electric because other major appliances (cooktop, water heater) are electric. 'Ala Power' is selected as the most likely provider.",
"utility": "heating",
"allowance": 119
},
{
"note": "Property has 'Central Air'. 'Alabama Power' is selected as the likely provider.",
"utility": "cooling",
"allowance": 28
},
{
"note": "Covers basic electricity for lights, outlets, and the energy for a tenant-provided refrigerator. 'Ala Power' is selected to match other electric utilities.",
"utility": "other_electric",
"allowance": 87
},
{
"note": "Property has 'Public Water' and is located in Birmingham, which corresponds to this specific schedule line item.",
"utility": "water",
"allowance": 88
},
{
"note": "Property details state 'Sewer: Connected'.",
"utility": "sewer",
"allowance": 177
},
{
"note": "Standard utility for a single-family home. 'Jefferson City' is selected as the most applicable general option for Birmingham in the provided schedule.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "The property listing does not mention a refrigerator, so it is assumed to be tenant-provided. This covers the monthly cost of the appliance.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "The property listing does not mention a microwave, so it is assumed to be tenant-provided. This covers the monthly cost of the appliance.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.4,
"down_payment_amount": 21600.0,
"property_tax_annual": 1158.75,
"property_tax_monthly": 96.56,
"property_tax_increase": 0.03,
"utility_allowance_total": 630.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1825.99,
"property_management_monthly": 98.7,
"monthly_cash_flow_after_debt": 152.17,
"cash_on_cash_return_after_debt": 0.08
},
"section8_assessment": {
"runs": [
{
"summary": "This 4-bed, 1-bath bungalow appears largely renovated and close to Section 8 / HCV inspection-ready. Interiors show fresh finishes, functioning fixtures, and a visible smoke detector. Main concerns that could cause inspection items are the lack of a handrail on the front steps (potential NSPIRE fail), cracked/uneven walkway and porch step deterioration (trip hazards), and unclear GFCI protection in kitchen/bath. Major systems (HVAC, electrical service, plumbing) appear present but operation and water heater/roof condition should be verified. With quick fixes (install handrail, repair/level steps, confirm/fit GFCI, supply fridge if required, verify CO detector if gas present) this property is likely rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears freshly renovated: new paint, updated flooring, clean finishes and functioning fixtures in photos. Kitchen cabinets are dated and show wear; refrigerator is not visible (stove present) which reduces turnkey readiness slightly. Front porch/steps paint is chipped and the steps show surface deterioration and leaf/debris accumulation. Minor cosmetic and finish repairs plus replacement/installation of a fridge and a few cabinet/trim touch-ups are likely."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 72.0,
"rationale": "A smoke detector is visible in the living area. Electrical panel cover and outlet covers are present and no exposed wiring is seen. Bedrooms appear to have adequate windows for egress. Entry has a secure metal door. Notable issues: front steps currently lack a handrail (potential NSPIRE/inspection fail for unsafe stairs), and a GFCI outlet at the kitchen sink is not clearly visible in photos (possible requirement). No visible active leaks, severe mold, or structural sagging in photos. Carbon monoxide detector not observed but may not be required if no gas appliances are present."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Ceiling registers are visible indicating central HVAC (supply vents shown) which suggests heating/AC present. Electrical service and panel are present and intact in photos. Plumbing fixtures (bathroom, kitchen sink, toilet) appear installed and functioning; tub/shower surround looks serviceable. Water heater and furnace are not shown so operation is assumed but not verified. Roof shingles visible from exterior appear intact with no obvious sagging, but full roof inspection not shown. Overall systems appear serviceable but some items (water heater, HVAC operation, roof condition) require verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.0,
"rationale": "Exterior siding and painted brick porch are generally intact and freshly painted; curb appeal and porch look improved. Site issues: cracked/uneven walkway, deteriorated front step surfaces, overgrown shrubs and yard debris — these are trip hazards and lower curb-readiness. Chimney painted; no major foundation displacement visible in photos. No clear evidence of standing water or infestation, but drainage and gutter condition not shown."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing handrail on primary front steps — potential NSPIRE fail / unsafe stairs.",
"Cracked/uneven walkway and deteriorated step surfaces presenting trip hazards.",
"Unclear presence of GFCI protection at kitchen and bathroom outlets — potential electrical safety/code issue.",
"Water heater and full roof condition not shown — systems not verified (recommended verification prior to inspection)."
],
"confidence": 0.75,
"assumptions": [
"Central HVAC is present and operable based on visible ceiling supply registers; however the system operation and age were not documented in photos.",
"No gas appliances are visible in photos (electric stove present) so CO detector may not be strictly required, but presence should be confirmed.",
"Water heater and furnace are present and functional though not photographed; hot water assumed available but needs verification.",
"A refrigerator is not visible in images; assume unit is not included or not staged — missing fridge is a moderate turnkey issue but not an automatic safety failure.",
"Kitchen GFCI protection at sink is not clearly visible in photos; assume it may be missing and should be verified/installed to meet NSPIRE requirements.",
"Front entry door appears secure (metal security door) but existence of a functioning deadbolt was not verified in photos.",
"No severe structural issues (sagging roof, foundation movement, collapsed ceilings) are visible in the provided photos; assume none present but recommend professional inspection to confirm."
],
"overall_score": 79.0,
"rubric_version": "2026-02-16_NSPIRE_v1"
},
{
"summary": "Overall this appears to be a mostly turnkey renovated 4-bed home with cosmetic updates, functioning kitchen range, intact electrical panel, visible HVAC registers and modern finishes inside. The most likely Section 8/NSPIRE inspection failures would be missing GFCI protection at kitchen/bath, possibly insufficient smoke/CO coverage depending on bedrooms/levels, and the absence of a handrail on the front steps plus minor trip hazards on the walkway. None of the issues observed indicate major structural failure; with 1–3 trade/handyman visits (install GFCI, add handrail, verify/add detectors, repair porch steps and walkway, minor exterior touch-ups) this property is very likely to pass an initial HCV inspection and be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior shows recent cosmetic renovation: fresh paint, new-looking LVP floors, clean finishes in living areas and bedrooms. Kitchen cabinets are older and show wear; countertops and backsplashes are dated though functional. Appliances: electric range is present and appears operable, but no refrigerator was shown in photos (moderate reduction). Exterior paint and porch masonry show chipping and some broken concrete on steps/walkway that are visible and should be repaired. Overall mostly cosmetic and moderate capital items that are easy to fix."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "Visible positive: at least one smoke detector observed in living room and an intact electrical panel on an interior wall. Observed safety concerns: no visible GFCI-type outlets near kitchen sink or bathroom (kitchen outlet by sink appears standard), no visible CO detector in photos, and the front steps currently lack a handrail. Walkway and porch step edges present trip hazards. Bedroom windows appear to be standard double-hung and likely provide egress, but exact sill heights not measured. No exposed wiring, active roof leaks, collapsed ceilings, or standing water were observed in photos. These are inspection risks that are generally straightforward repairs (install GFCI, add handrail, add CO detector, correct trip hazards)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Evidence of a central forced-air system (supply/return registers visible) and an intact electrical panel suggest systems are present and functional, though no mechanical equipment (furnace/AC condenser, water heater) was photographed for direct verification. Plumbing fixtures (kitchen sink, bathroom sink, toilet, tub/shower) are present and appear functional with no visible active leaks. Roof shingles appear aged but not obviously failed in photos. Because equipment was not shown, assign a moderate score reflecting likely functionality but some uncertainty (would require verifier checks on HVAC operation and hot water)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.0,
"rationale": "Vinyl siding and painted brick porch look generally intact and recently refreshed, but exterior masonry paint is chipped in places. Front porch steps and walkway show cracked/crumbled concrete creating trip hazards. Landscaping is slightly overgrown with shrubs close to the foundation that should be trimmed. Chimney and roof show no obvious major failure on visible slopes, but some wear consistent with a 1940 build. No evidence of standing water or major foundation failure visible in photos."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible GFCI protection at kitchen counter / bathroom outlets (inspection fail risk).",
"Front steps lack a handrail and porch/walkway have broken concrete edges — trip/fall hazard and potential inspection item.",
"No CO detector visible in photos (may be required depending on local code and fuel sources).",
"Exterior painted masonry shows chipping (house built 1940) — potential lead-based paint risk that may require mitigation or disclosure."
],
"confidence": 0.75,
"assumptions": [
"Interior smoke detector(s) are present at least in common area; additional detectors (bedrooms/levels) may be required and are not visible in photos.",
"HVAC is central forced-air and operational (supply/return vents visible); operation not directly tested in photos.",
"Hot water heater exists and provides hot water; unit not photographed.",
"Electrical panel shown is complete and properly labeled; no obvious exposed wiring was visible in photos.",
"No active roof leaks or major hidden water intrusion exist beyond what is visible in exterior photos.",
"No refrigerator is present (not shown); landlord will supply or tenant-supplied items expected per local practice.",
"Bedrooms have functional egress windows at code sizes based on appearance but measurements were not available.",
"Because the house was built in 1940, lead-based paint is a potential risk on exterior masonry and older trim unless a certified lead clearance was performed."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 4-bed, 1-bath bungalow appears renovated and largely move-in ready with fresh finishes, working plumbing fixtures and visible HVAC ducting. Likely to pass an initial HCV/NSPIRE inspection after a short punch-list: install/verify smoke/CO detectors in required locations and interconnection, add GFCI protection where required (kitchen/bath), and install a compliant handrail on the front steps plus minor porch/step repair and yard cleanup. No major structural, roof, electrical or plumbing failures were observed in the photos. With the noted fixes the property should be rent-ready within 1–4 weeks; without them the missing handrail and GFCI/CO coverage could create inspection failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 80.0,
"rationale": "Interior appears recently renovated: painted walls, new-looking flooring, functioning stove, updated-looking finishes in living areas and bedrooms. Kitchen cabinets are older but serviceable; bathroom fixtures present and appear functional. Exterior paint and porch show cosmetic wear and some brick/step spalls at the porch edges. Minor yard cleanup and walkway/step repairs needed. Missing refrigerator not evident in photos but stove is present; missing appliances would be an easy-to-fix capital item and do not drive a large penalty."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "A smoke detector is visible in the main living area (photo). Bedrooms appear to have adequate egress windows. No exposed wiring or obvious electrical hazards visible; electrical panel appears closed and mounted on an interior wall. However: front porch steps lack a handrail (potential unsafe stairs per NSPIRE/local code), kitchen and bathroom receptacles do not show GFCI-type outlets (kitchen outlet visible appears to be standard), and no carbon monoxide detector is visible in photos. The front door has an exterior security door which suggests an operable entry but interior deadbolt presence is not confirmed. No active leaks, visible mold, or collapsed ceilings were observed in images."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 75.0,
"rationale": "Ceiling/room vents are visible indicating central HVAC ducting present. Electrical panel is visible and appears intact. Plumbing fixtures (sinks, tub/shower, toilet) are present and appear operational with no visible leaks. Roof and chimney appear intact in exterior photos with no visible sagging or active leaks. Water heater and HVAC equipment are not pictured so operational status is assumed from vents and the renovated presentation. No visible evidence of major system failure, but final confirmation of HVAC operation and hot water is recommended."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 70.0,
"rationale": "Siding and painted brick porch are intact and the roofline looks straight. Foundation vents are present. Yard has scattered debris, overgrown shrubs and worn walkway/porch surfaces; concrete walkway shows cracking and minor settlement. Porch step brick/paint damage and chipped concrete risers are visible and the front steps lack a handrail. No evidence of standing water or major foundation movement in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Front porch steps lack a handrail (potential unsafe stairs / NSPIRE fail if riser count/height requires handrail).",
"No visible GFCI protection at kitchen and bathroom receptacles in photos (possible electrical safety/code failure).",
"No visible carbon monoxide alarm in photos (required where fuel-burning appliances or attached garages exist; CO coverage should be confirmed).",
"Porch concrete/brick has spalled areas at step edges which could present trip hazards and will need repair."
],
"confidence": 0.75,
"assumptions": [
"Interior HVAC system is present and functional because ceiling vents/registers are visible (no equipment photo provided).",
"Hot water is available and water heater is operational though it is not shown in the photos.",
"Electrical panel is intact and serving the unit as it is closed and mounted on an interior wall; no hidden dangerous wiring was observed in photos.",
"Bedrooms have operable egress windows as shown; sizes and exact code compliance are assumed adequate based on appearance.",
"Listing text 'turnkey, renovated' is assumed accurate and reflects recent interior work not fully visible in every room.",
"Appliances: stove is present and appears functional; refrigerator is not shown and if absent would be a moderate, capital-only item.",
"No evidence of active roof leaks, major foundation movement, or severe mold was observed in the photos; absence of evidence was used to infer acceptable condition."
],
"overall_score": 80.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2722 Avenue I, Birmingham, AL, 35218",
"aggregate": {
"summary": "This 4-bed, 1-bath bungalow appears largely renovated and close to Section 8 / HCV inspection-ready. Interiors show fresh finishes, functioning fixtures, and a visible smoke detector. Main concerns that could cause inspection items are the lack of a handrail on the front steps (potential NSPIRE fail), cracked/uneven walkway and porch step deterioration (trip hazards), and unclear GFCI protection in kitchen/bath. Major systems (HVAC, electrical service, plumbing) appear present but operation and water heater/roof condition should be verified. With quick fixes (install handrail, repair/level steps, confirm/fit GFCI, supply fridge if required, verify CO detector if gas present) this property is likely rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.7,
"rationale": "Interior appears freshly renovated: new paint, updated flooring, clean finishes and functioning fixtures in photos. Kitchen cabinets are dated and show wear; refrigerator is not visible (stove present) which reduces turnkey readiness slightly. Front porch/steps paint is chipped and the steps show surface deterioration and leaf/debris accumulation. Minor cosmetic and finish repairs plus replacement/installation of a fridge and a few cabinet/trim touch-ups are likely."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.7,
"rationale": "Exterior siding and painted brick porch are generally intact and freshly painted; curb appeal and porch look improved. Site issues: cracked/uneven walkway, deteriorated front step surfaces, overgrown shrubs and yard debris — these are trip hazards and lower curb-readiness. Chimney painted; no major foundation displacement visible in photos. No clear evidence of standing water or infestation, but drainage and gutter condition not shown."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 69.0,
"rationale": "A smoke detector is visible in the living area. Electrical panel cover and outlet covers are present and no exposed wiring is seen. Bedrooms appear to have adequate windows for egress. Entry has a secure metal door. Notable issues: front steps currently lack a handrail (potential NSPIRE/inspection fail for unsafe stairs), and a GFCI outlet at the kitchen sink is not clearly visible in photos (possible requirement). No visible active leaks, severe mold, or structural sagging in photos. Carbon monoxide detector not observed but may not be required if no gas appliances are present."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 73.3,
"rationale": "Ceiling registers are visible indicating central HVAC (supply vents shown) which suggests heating/AC present. Electrical service and panel are present and intact in photos. Plumbing fixtures (bathroom, kitchen sink, toilet) appear installed and functioning; tub/shower surround looks serviceable. Water heater and furnace are not shown so operation is assumed but not verified. Roof shingles visible from exterior appear intact with no obvious sagging, but full roof inspection not shown. Overall systems appear serviceable but some items (water heater, HVAC operation, roof condition) require verification."
}
],
"red_flags": [
"Missing handrail on primary front steps — potential NSPIRE fail / unsafe stairs.",
"Cracked/uneven walkway and deteriorated step surfaces presenting trip hazards.",
"Unclear presence of GFCI protection at kitchen and bathroom outlets — potential electrical safety/code issue.",
"Water heater and full roof condition not shown — systems not verified (recommended verification prior to inspection)."
],
"confidence": 0.92,
"assumptions": [
"Central HVAC is present and operable based on visible ceiling supply registers; however the system operation and age were not documented in photos.",
"No gas appliances are visible in photos (electric stove present) so CO detector may not be strictly required, but presence should be confirmed.",
"Water heater and furnace are present and functional though not photographed; hot water assumed available but needs verification.",
"A refrigerator is not visible in images; assume unit is not included or not staged — missing fridge is a moderate turnkey issue but not an automatic safety failure.",
"Kitchen GFCI protection at sink is not clearly visible in photos; assume it may be missing and should be verified/installed to meet NSPIRE requirements.",
"Front entry door appears secure (metal security door) but existence of a functioning deadbolt was not verified in photos.",
"No severe structural issues (sagging roof, foundation movement, collapsed ceilings) are visible in the provided photos; assume none present but recommend professional inspection to confirm."
],
"score_method": "mean_of_criteria",
"overall_score": 73.3,
"rubric_version": "2026-02-16_NSPIRE_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8563004772"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.